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American River Insurance Agency
Your trusted partner for personalized insurance solutions in Sacramento.
4.9
Insurance
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Your trusted partner for personalized insurance solutions in Sacramento.
American River Insurance Agency is a dedicated insurance agency located in Sacramento, CA, specializing in helping individuals and families secure comprehensive coverage for their homes, autos, and more. With a focus on transparency and customer service, the agency works to find competitive rates and tailored policies, offering guidance through bundling options and complex insurance needs. Clients appreciate the knowledgeable and responsive support, making insurance decisions straightforward and stress-free.
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Comprehensive coverage options for homeowners, including competitive rates and expert advice for properties of all ages.
Tailored auto policies with bundling opportunities to save on premiums while maintaining quality protection.
Affordable renters insurance plans to safeguard personal belongings and provide liability coverage.
Additional liability coverage beyond standard policies for enhanced financial protection.
Cost-saving solutions by combining home, auto, and other policies for streamlined coverage and better rates.
Personalized consultations to analyze existing coverage, compare quotes, and optimize insurance plans.
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Overall rating
zachary lawrence
Fernando has been extremely helpful in a time of need when our condo was flooded with black water. Can’t thank them enough!
Marc Kantor
I have been with Fernando for many years - he is extremely responsive and very patient with all and any questions. He always puts his clients first. Would 1000% recommend his company to anyone looking for a broker
Andrew Tuma
Fernando is the BEST!! Very efficient, gives his clients proper attention and responds to questions quickly. Couldn’t ask for a better agent
Cory Hurtado
Fernando Garibay is hands-down one of the best insurance brokers I’ve ever worked with. From the very first conversation, he was knowledgeable, patient, and genuinely focused on finding the best coverage for my specific needs—not just selling a policy. He took the time to explain all my options in clear, simple terms, answered every question thoroughly, and made the entire process smooth and stress-free. Fernando is incredibly responsive, detail-oriented, and trustworthy. You can tell he truly cares about his clients and goes the extra mile to make sure they’re protected and confident in their decisions. If you’re looking for an insurance broker who is professional, honest, and exceptional at what he does, I cannot recommend Fernando Garibay highly enough.
elisa roiz-bryant
Fernando is always so prompt to respond to any questions I may have. He is very knowledgeable and helpful. So happy to have his assistance and expertise.
Lauren Acosta
Fernando was an absolute pleasure to work with. He helped guide me through obtaining homeowners insurance for our first home. He assisted me to bundle home and auto and was extremely knowledgeable and communicative throughout the process. He was efficient and timely which relieved a ton of stress! Thank you Fernando for supporting us through this transition!
